Refund Policy

Effective date: 2026-10-08

This policy applies to OnBinder member credit top-ups and to paid content API plans paid with credits. The free plan involves no payment, and credits received for free, such as ad rewards or operator grants, are not refundable.

1. Scope

This policy applies to member credit top-ups (Toss Payments, Paddle), paid API plans paid with topped-up credits (subscriptions, one-month passes, usage settlement), and credits bought through in-app purchase in the mobile apps. The operator is CGWEB Inc. (씨지웹주식회사).

2. Refund Terms (No Deduction Within 30 Days)

You can request a refund of unused paid credits from the My credits page. If you request within 30 days of payment, there is no deduction; if you request after 30 days, 10% of the refund basis is deducted. Credits are treated as spent oldest-first: if the credits from that top-up are unused, the full payment amount is the refund basis; if some were used, the basis is the remainder after deducting the amount corresponding to the credits used (1 credit = 1 KRW), and the remaining credits (bonus included) are reclaimed. Credits received for free, such as ad rewards or operator grants, are not refundable. When you withdraw your membership, unused paid top-ups are processed for refund on the same basis (domestic card and easy-pay top-ups automatically; international (Paddle) and app store top-ups are checked by the Company and handled through that payment channel's procedure), and only free credits expire. For paid API plans paid with credits, if you request within 30 days of the first payment, we return the full credits paid to your wallet and end the plan. Credits do not expire. Refund requests can be submitted from the My credits page, the contact page, or the channel provided at payment.

3. Subscription Cancellation

Subscriptions can be cancelled at any time. Upon cancellation, billing stops from the next billing date, and the already-paid period remains usable until it expires.

4. Processing by Payment Method

Refunds for domestic payments (Toss Payments) are processed by the Company. Purchases made through Paddle are refunded by Paddle as the Merchant of Record; you may request through either our contact page or Paddle support. When Paddle refunds a purchase or a payment is canceled at the payment provider, the Company reclaims the credits granted for that payment. Refunds for credits bought through mobile in-app purchase (Apple App Store, Google Play) are decided and processed by that store under its own policy, and are requested from the store's purchase history (Apple: 'Report a Problem'; Google: Play Store order history). When the store refunds, the Company reclaims the credits it granted; the store may limit refunds for the portion of credits already used. The Company does not refund store payments directly.

5. Processing Time

Refunds are returned to the original payment method within 3-10 business days after approval in principle. Timing may vary depending on the card issuer or payment provider.

6. Statutory Right of Withdrawal

The refund terms above do not limit the right of withdrawal guaranteed by applicable laws such as the Act on Consumer Protection in Electronic Commerce. Requests within the statutory withdrawal period (7 days) fall within the 30-day no-deduction period and are processed without deduction. You can try the service before paying through the free plan, and the Company also displays on each payment screen that withdrawal may be restricted. Accordingly, the statutory restriction on withdrawal applies to the portion already delivered, such as usage or credits you have consumed. Your right of withdrawal for the portion not yet delivered is not restricted. For international payments (Paddle), Paddle handles withdrawal and refunds as the seller and the law of your country of residence applies.

7. Contact

For refund inquiries, please use the contact page. If a translated version conflicts with the Korean version, the Korean version prevails.

Operator: CGWEB Inc. (씨지웹주식회사) · Website: onbinder.com

Company

씨지웹주식회사

Representative

신익희

Address

경기도 안양시 동안구 시민대로 230 (평촌아크로타워)

Phone

0505-740-0505

Email

[email protected]

Business registration no.

123-86-31154